How to increase score

[ctnbpl]

My score at Equifax is 723

My score at Transunion is 738

My score at Experian is 739

Question:

I plan to get a job in bank industry that require to check  my credit score, how they going to calculate my score if my score is diffrent in 3 credit bureu. My employer require my 800 score to get a job

they will get score from 3 credit bureu

Question:

How to Incrase my credit score

Currently as a positive factors are

-The proportion of the balance to credit limit is 4%  (total  credit limit of $18,000)

Citi-$12,000

American Express- $6,000

-The presence of bank/national revolving credit has been estabolish

-You are using relativly low balance compare to credit limit

-You have never been late

Current negative factors is:

-The lenght of time your account has been estabolish is relatively short

First account open 14 month ago- Credit Card- Citi

Second account open 3 month ago-Credit Card- American Express

-I have never been late with any payment

-Pay in full each month

-no inquire (hard cover inquire) within last 24 month

-no collection

-no public record

-no garnishment or other negative factors

Question:

It is ok to "load with a debt"  for $5,000 and pay it with 12 month period( with intrest) to increase my credit score?

Any suggestion ,comment, welcome!

[Tuscani]

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ctnbpl wrote:

My score at Equifax is 723

My score at Transunion is 738

My score at Experian is 739

Question:

I plan to get a job in bank industry that require to check  my credit score, how they going to calculate my score if my score is diffrent in 3 credit bureu. My employer require my 800 score to get a job

they will get score from 3 credit bureu

Question:

How to Incrase my credit score

Currently as a positive factors are

-The proportion of the balance to credit limit is 4%  (total  credit limit of $18,000)

Citi-$12,000

American Express- $6,000

-The presence of bank/national revolving credit has been estabolish

-You are using relativly low balance compare to credit limit

-You have never been late

Current negative factors is:

-The lenght of time your account has been estabolish is relatively short

First account open 14 month ago- Credit Card- Citi

Second account open 3 month ago-Credit Card- American Express

-I have never been late with any payment

-Pay in full each month

-no inquire (hard cover inquire) within last 24 month

-no collection

-no public record

-no garnishment or other negative factors

Question:

It is ok to "load with a debt"  for $5,000 and pay it with 12 month period( with intrest) to increase my credit score?

Any suggestion ,comment, welcome!

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They require an 800? WOW. There's not a whole lot more you can do. Do you have any installment loans?

[MidnightVoice]

Just checking, but to get a score that high almost certainly requires a pretty long credit history, which requires reaching a certain age.  Are you old enough?

[Anonymous]

This is something really new. Employers require 800 scores for a job. How many people would actually work for them?

Just FYI, they would look at middle FICO.

[ctnbpl]

This job is for broker-delear at NYSE

Annual Gross Income $350,000

Young 25 years old

What should I do to increase my credit fast?

I dont have any loan currently

Will " Add more debt"  for example $2,000 total to my credit card and pay it with 6 month

in addition get a personal loan for $6,000 and pay it with 1 year will get me to score of at least 780?

I plan to get a job on August 2008

[smallfry]

You got a Citi card 14 months ago and an AMEX 3 months ago but have no hard pulls within the last 24 months? AMEX always does hard pulls.

Message Edited by smallfry on 05-20-2007 04:25 PM

[ctnbpl]

Yes, that may seem little consused

I have open American Express in Febuary 2007

I have open Citi April 2006

They have check my credit but in mistake they have mark it as a soft inquire at Transunion and Experian , no Equifax credit check

[smallfry]

Lucky you huh? You live in NY? I live in your area and they pulled Experian and Equifax on me just the other day hard pulls as that. Two cards and no hard pulls.

[fused]

A score of 800 is required! That's incredible!  I would guess that less than 10% of the U.S. Population has scores of 800 or higher.  I do not think you can do anything fast (within a few months) which would raise your scores by 60 to 70 points.  You have no baddies, no inq's, low util and a decent cl on your citi card.  If Tuscani does not know, look to Brammy!  But she/he seems to have disappeared.

[MidnightVoice]

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ctnbpl wrote:

Young 25 years old

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I am not sure if anyone that age can get a plus 800 score.  Might be part of their fiendish plot to only employ old people